潍坊公积金这是一位潍坊网友向潍坊在线www.iweifang.com咨询的问题，这位朋友说我想用自己的住房公积金买套房子，因为用住房公积金利率可以低很多的，我公积金账户里有差不多两万多块了，不知这些钱可以贷款多少钱，还有办理公积金贷款和普通贷款有什么区别，比普通商业贷款麻烦吗，一般都有什么手续，我们知道潍坊住房公积金“取之于民，用之于民”为宗旨，不断扩大住房公积金制度覆盖面，同时加大住房公积金贷款发放力度，公积金在现在这个还是很有作用的，以较低的利率获得贷款。
那么如何办理公积金贷款哪，潍坊在线客服在接到这个问题后，及时给予答复，首先自己有要有首付的，最少20%，这个值在不同的时期是不一样的，积金有的地方可以贷款40万，看你的个人公积金账户里有多少钱了一般是公积金账户额度的20倍，说一下大体过程：借款人携带所需资料，到贷款银行进行贷款申请，填写住房公积金(组合)贷款申请表。然后就是审批，审批通过就可以发放贷款了。
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以上就是关于潍坊公积金相关问题的回复，希望潍坊这个朋友对我们的答复及服务能够满意，以下是此问题的英文回复希望老外朋友们也能了解：
Weifang Weifang fund is a network of friends to love Weifang www.iweifang.com consultation issue, the friend said that I would like to buy their own housing fund a house, because with the housing provident fund interest rate can be much lower, I fund account almost more than 20 thousand dollars, and I do not know how much money can be loans, as well as processing loans and general loans fund What's the difference, than ordinary commercial loans trouble you, in general, what the procedure, we know that Weifang Housing Fund "is taken from people and giving people "for the purpose of expanding the coverage of the housing provident fund system, while increasing the intensity of housing provident fund loan, provident fund at this still very useful, to obtain loans at lower interest rates.
So how do you apply for provident fund loans which, receiving the love of customer service Weifang network problem, the time to reply, first of all they have to have the down payment of at least 20%, this value at different times is not the same, the MPFA in some places can credit 400 000, see your personal account how much money the general fund is 20 times the amount of provident fund account, said the overall cost processes: the borrower to bring the necessary information to the lending bank loan application, complete the Housing Fund (Portfolio) loan application form. Then there was approval, approval can be issued through loans.